Best Stablecoins
Top rated: USDC 8.5
A stablecoin is a promise about redemption.
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7.1/10
Crypto Cards
Company file: Crypto.com, owners, incidents →
Crypto.com Visa Card
High headline rewards, priced through the Level Up membership. In the US the free Basic tier pays 1.5% back on the first $250 a month and 1% after; Plus costs $4.99 a month or $500 of CRO staked for 12 months and pays 3.5% on the first $500. Pro and Private go up to 6%. The CRO route is an unhedged position in a token whose supply rules Crypto.com has shown it can change.
Best for: Cashback, if you price the Level Up tier you need
Company file: Crypto.com, owners, incidents →How this score was reached
7.1 is the weighted average of the five pillar findings below. Dependable, with trade-offs a reader should know about first.
- Custody & Security25%
- 6.6
- Cost & Fee Transparency25%
- 6.2
- Regulation & Legal Standing20%
- 7.6
- Performance & Reliability15%
- 7.8
- Access & Support15%
- 8.2
Custodial: the balance is a claim on a private company. The Jan 2022 2FA bypass took $33.8M from 483 accounts; Crypto.com says all were reimbursed, with no independent confirmation.
US tiers are priced openly: Basic free, Plus $4.99 a month or $500 of CRO staked for 12 months, with cashback capped by monthly spend. The CRO route ties money up in a volatile token, and the 2025 reissue of 70 billion burned CRO shows its rules can change.
EU MiCA licence (Jan 2025), US CFTC derivatives licences (Sep 2025) and conditional OCC approval for a national trust bank (Feb 2026), which does not yet protect US retail balances.
Reliable card operation with wide acceptance and few settlement complaints.
Broad availability, straightforward onboarding and a capable app; the free Basic tier needs no stake or subscription.
Strengths
- High headline cashback, up to 6% at the top tiers
- US Basic tier needs neither a stake nor a subscription
- MiCA licence in the EU and US derivatives licences
Against it
- Better tiers need a subscription or 12 months of staked CRO
- Cashback is capped by monthly spend on the lower paid tiers
- CRO supply rules have been changed before (2025 reissue)
Price the tier, not the headline
Crypto.com prices its card through Level Up. In the US the free Basic tier pays one and a half per cent back in CRO or BTC on the first $250 of monthly spending and 1% after; Plus costs $4.99 a month, $49.90 a year, or $500 of CRO staked for 12 months, and pays three and a half per cent on the first $500. Pro and Private reach 6%. The old programme needed a CRO stake and nothing else; the subscription route is new, and it removes the hidden-cost problem we used to penalise.
Two cautions remain. The cashback caps mean the headline rate applies only to part of your spending. And the CRO route is an unhedged position in a token whose rules Crypto.com has shown it can change, as when 70 billion burned CRO were reissued in 2025.
Frequently asked questions
Do I have to stake CRO for Crypto.com card rewards?+
Not in the US any more. Basic needs neither a stake nor a subscription; Plus costs $4.99 a month or $500 of CRO staked for 12 months.
Is the Crypto.com card cashback worth it?+
Compare the tier cost with the capped cashback. Plus pays three and a half per cent only on the first $500 a month, so at most about $17.50 back against a $4.99 fee. Check the FX markup against your bank card before switching.
Why is CRO a risk for card holders?+
Staking it for a tier is a 12-month position in a volatile token, and in March 2025 a Cronos vote reissued the 70 billion CRO burned in 2021. Tiers priced in CRO depend on rules the company can influence.
Assessed by
Blockchain Security Researcher · September 27, 2026
◆ Disclosure
CoinRadar Daily is a non-commercial project. We have no commercial relationship with Crypto.com Visa Card, earn nothing from any link on this page, and carry no advertising or sponsorship anywhere on the site. Findings rest on public sources; we did not open an account or transact.
Rubric v2.0How we score →
The rest of the crypto cards table
- 01Crypto.com Visa Card — you are hereCashback, if you price the Level Up tier you need7.1
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